Does a Second Car Mean Double the Car Insurance Premiums?

Quotes on Auto Insurance for Multiple CarsWhether you’re adding your spouse’s car to your policy, buying a car for your teen driver, or finally have enough money for that Jeep Wrangler you’ve always wanted to off-road in, you’re probably wondering if you’re looking at double the car insurance premiums. Though for each of these scenarios the costs will be different—if you’re smart and shop around for quotes on auto insurance, you probably won’t be paying twice what you are now. In fact, the difference might not be anyway near what you expect.

Quotes on Auto Insurance for Multiple Cars
The first thing to do is to contact your current insurance carrier and ask for quotes on auto insurance for multiple cars. If you have a family plan, most carriers offer discounts for your spouse’s car and any child under twenty-five. If you want quotes on auto insurance for a second car that only you will drive, your carrier will usually offer you discounts so long as your driving record is clean—and for any additional cars, you’ll get more discounts. Depending on the insurance carrier, discounts for multiple cars can be as much as 25%, so it’s well worth getting different quotes on auto insurance before you agree to a policy.

Financing Your Second Car
If you’re financing a second car, you’ll see in your auto insurance quotes that discounts don’t apply. You’re still paying off a loan on the car, which means you’re required to provide full insurance coverage until you’ve made the final payment. However, you can still shop around for the best quotes on auto insurance by contacting AgentInsure. With AgentInsure, you can find the best quotes on auto insurance for financed cars, as well as multiple car discounts!

Don’t Get Stuck With an Old Car Insurance Rate for a New Car

For A New CarWhether it’s your first car, or one of many over a lifetime, when you get a new car there’s an undeniable rush of excitement. But don’t let excitement turn to haste when agreeing to car insurance rates. Even if it seems like the simplest thing in the world to call your current insurance carrier and just transfer your policy to your new car, it might not get you the best car insurance rate.

Get Quotes for Auto Insurance
Take a bit of time and get quotes for auto insurance from other carriers than your current one. If your new car has better safety equipment and an anti-theft device, you’ll notice it in your car insurance rates. You should also check to make sure all of your personal information is up to date, such as your address and how many miles you drive each week. A move from the center of a city to a small town fifty miles away can lower your car insurance rate, but if you’re driving more miles to work, it will increase.

Compare Car Iinsurance Rates
The easiest and most convenient way to find affordable car insurance rates is with online comparison sites. Online comparison sites allow you to enter your personal information and details about your vehicle, and provide you with quotes for car insurance rates so you can choose the one that works best for you. Comparison auto insurance sites often feature special online discounts that can save you lots of cash, and also allow you to buy the policy of your choice when you select the car insurance rate that’s right for you.

Moving

Insurance as SaviorMoving house is a great opportunity to compare home insurance quotes from various carriers. Not only will your new home probably have different insurance requirements from your previous home, but factors like location and weather can affect your insurance rates. Even if you’re completely satisfied with your current insurance carrier, it’s a good idea to set some time aside to request homeowner insurance quotes and seriously compare home insurance. And though staying with your current insurance carrier might be easiest, especially during the stress of a move, there’s no guarantee it’s the savviest financial choice.

How to Compare Home Insurance Quotes
It’s not difficult to compare home insurance quotes, though it will require a bit of time and effort. First, it’s smart to request a quote for your new home from your current carrier. An advantage of staying with the same carrier could be the possibility of a long-term client discount, which is definitely a factor to consider when you compare home insurance quotes. Next, you’ll need to request quotes from other insurance carriers in order to compare home insurance coverage, premiums, and deductibles.

One of the easiest ways to do this is through a company like AgentInsure, one of the nation’s leaders in insurance comparisons. AgentInsure can help you compare home insurance by providing you with homeowner insurance quotes that are tailored to your situation. The convenient online system allows you to see all the quotes side-by-side, so you can compare home insurance at your leisure before choosing the one that offers you all the coverage you need at an affordable rate.

Does My Average Mileage Affect My Vehicle Insurance Rates?

Check If it Affects Your Insurance RatesAnybody who’s made a vehicle insurance comparison to shop around for the best vehicle insurance rates knows that there are a number of factors that can influence your premium. Whether you’re the vehicle’s only driver, have any traffic violations on your record, or have ever been in an accident will all affect the quotes for your vehicle insurance comparison. However, not many drivers realize that your average weekly mileage also plays a large role in determining your premium.

Mileage Matters for Your Vehicle Insurance Comparison
When you make a vehicle insurance comparison, you’ll be asked how much you drive per week. It’s logical that the higher your mileage, the more wear and tear your vehicle incurs and the less resistant it is to damages. In addition, how much you drive also influences how often you’re in traffic situations that could lead to potential damages. If you’re making a vehicle insurance comparison to save money on your car insurance, it can be an invitation to examine your weekly mileage and see where you can reduce the amount of time you spend on the road.

How to Reduce Your Mileage for the Best Vehicle Insurance Rates
There are a number of ways to slash your mileage before making a vehicle insurance comparison—if your lifestyle allows, that is. For example, you could see if your area offers commuter transit that will get you to work on time every day instead of getting stuck in traffic. Another way to reduce your mileage is to see if your company will allow you to work at home one or two days a week. Always make sure to stick with your decisions, as your insurance carrier will request your mileage each year and adjust your premiums accordingly.